The mission of
All Points is...
To help bring couples, friends, families, and groups, together through travel experiences that fulfill dreams...and create treasured memories for a lifetime.
TIPS...
Check with your medical
insurance company to see if
you are covered overseas
and what your maximums
are.
Check the limits of your travel
insurance you when you pay for
your travel with your credit
card.
Certain coverages, such as
pre-existing medical
conditions, provider financial
default, terrorism, etc. may
be covered only if you buy
your polilcy within 10-14
days of your initial deposit.
Do not buy insurance from
the cruise or tour operator
since they may not cover
incidents on excursions
not booked through them.
The least needed type of
travel insurance is "Flight
Life Insurance."
Definitions of Common Travel Protection Terms
Trip Cancellation -- The amount you will be paid by the insurer if you are prevented from taking your trip due to a covered reason.
(Check your policy to see the "covered reasons.")
Trip Interruption -- Reimbursement for the expenses you have paid to a travel supplier if you must return home early, due to a covered reason.
Missed Connection -- Covers expenses due to missed cruise or trip departures due to inclement weather or any other common-carrier-caused delays.
Trip Delay -- Reimbursement for covered reasons on a one-time basis if you are delayed en-route to or from the covered trip due to a covered reason.
Baggage and Personal Effects -- The insurer will reimburse you up to the maximum amount for your plan, for loss, theft, or damage to your baggage and personal effects.
Baggage Delay -- Reimbursement for any expenses for your necessary personal effects, up to the maximum for your plan, if your checked baggage is delayed or misdirected bya common-carrier. (Usually applies to outward journies only)
Emergency Accident and Sickness Medical Expenses -- Insurer pays up to the maximum for your plan, if you incur medical expenes for emergency treatment as a result of an accidental injury which occurs on the covered trip, or a sickeness which first manifests itself during the covered trip. (Some private and medicare plans do not cover medical expenses overseas)
Emergency Evacuation and Repatriation of Remains -- Insurer will pay up to the maximum for your plan, if you suffer an injury or emergency sickenss that warrants your emergency evacuation while on a covered trip.
Pet Care -- Pays up to a certain amount per day for an additional boarding fee if your return home is delayed due to a hospital in-patient treatment abroad.
Accidental Death and Dismemberment -- The amount paid if you sustain an injury while on a trip which results in loss of life, severance of a limb, or enitre and irrecoverable loss of eyesight, speech, or hearing; within in 180 days of the accident.
Collision Damage Waiver -- If insured rents a vehicle on a covered trip and the vehicle is damaged due to collsion or any cause not within the insured control.
Sports Covereage (usually optional) -- Covers pre-paid, non-refundable ski pases, ski or equipment rentals or green fees, and if your own equipment is delayed or mis-directled by a commom-carrier.
